Unit Owner’s Excess Insurance

Coverage, generally added by endorsement, which expands the Insured’s coverage to include damage or loss to alterations, fixtures, and improvements within individual units owned by the unit owner, caused by the insured perils. This includes damage to air conditioners, clothes washers, clothes dryers, cooking ovens, cooking ranges, dishwashers, floor coverings, countertops, kitchen cabinets, refrigerators and freezers. This coverage applies as excess insurance over any other valid and collectible insurance that would apply in the absence of this policy.